u/TutorSome9994

Hi guys, so I was an accidental landlord (I know some people hate that term but hey ho). My tenants have been renting my property for the past 5 years. Always paid on time. The rent covered the mortgage etc and just broke even after taxes and mortgage. This year, my fixed term ended which meant I was no longer on my 1.75% fixed term. It’s now at 4.5% (consent to let). So now I’m having to fork out roughly £200 a month from my own pocket for the tax as I just found this out this week when I was calculating my 25/26 tax return.

So my property:
£176k mortgage.
£1400 rent.
£960 a month on mortgage.
Estate agents value the property at £320-£350k.
Bought the property for £285k.
EPC rating is D.

So I’m a bit conflicted, I’m aware that the energy rating is D and in 2030, all properties must be a C or above to rent. I have a feeling that I’ll reach the £10k cap in attempt to make it a C.
I also will have to pay CGT on the profit if sold.

On one hand, it’s profit by appreciation. On the other, it’s a risk :/ thankfully the tenants has been paying on time since I got them but when they move out, who’s to say I’ll find a good tenant that’ll pay on time?

I’d like your views/opinions from other landlords in a similar position, did you swallow the pill and continue or did you think it’s no longer worth the risk?

Also for those who have rent guarantee insurance, how was your experience in triggering/executing it? Did the insurance actually help or did they not pay due to some small terms/conditions not being met?

Hi guys! It’s my second time going to Bali, totally LOVE the place!

Will be coming to Seminyak next month and I’m considering staying for a few days in Lombok! Is there any tips of suggestions as to how to get there from Seminyak?

I’ll be leaving Seminyak around 24th September and coming back to Bali (potentially Uluwatu) around 28th of September. We will have luggage (suitcases) with us (2 x 23kg suitcases and a few bags)

Also whilst in Lombok, can anyone share any tips on renting a car?

Thank you!

Hi there, me and my husband have travelled around the world plenty of times over the past year, all in economy. We’ve endured 24+ hour journeys in some of our travels.
We’re planning on going to Bali, from London, in a months time, 18th of September and coming back on 2nd October.
For the first time, I think our knees won’t be able to take the journey so I was looking at ways on how to get premium economy or business class (without paying the crazy prices!) and that’s when I’ve paid more attention to avios points.

So it seems like the majority of discount comes with welcome offers on credit cards.

Q: Do people usually have multiple cards and over the year switch around the cards? I.e. get the welcome avios bonus on a platinum Amex, then a gold Amex etc (I currently am eyeing the Barclays card where they are running a 43k avios promotion)

Q: I’ve just recently come to the concept of buying avios points, is it worth buying avios points with the credit cards to get the welcome offer (ofc in a manner that you are able to pay off the statement every month so you don’t get in debt)

Q: does the value of the points fluctuate over the year based on the flight path?

Q: do avios points have an expiry date?

Q: can me and my husband pool our points together? Basically is pooling/transferring points allowed ?

Q: I’ve tried to search for how many points some flights will take but they all seem to be behind a membership wall (e.g. having to sign up to BA or Qatar etc), is there a website that shows how much a flight actually is?

Q: can any flights be bought with avios are only certain flights?

Thank you very much for your time!

Hi, I’ve recently bought a BYD ATTO 2 in the UK. Very impressive car and enjoying it thoroughly!

I am currently on system version: 49.1.2.2508232.1. I have an option to upgrade via OTA but I would like to sideload Android apps if possible before I upgrade OTA.

The guides I’ve found are mainly for older models like Seal, ATTO 3 etc. I’ve not found one for ATTO 2 nor for an up to date version like I currently have.

Is it possible? Can someone point me in the right direction as i think I might be looking in the wrong place!